w*****n
发帖数: 74 | 1 下面是公司提供的401K计划中可选的基金列表。大家觉得选择哪些比较好，比例怎么分
配？
我的初步投资组合是 VFINX(40%),VEXMX(30%),VWIGX(30%)，大家觉得diversification
如何？还需要添加什么基金？多谢
Vanguard 500 Index Fund Investor Shares * VFINX 0040
Vanguard Explorer Fund Investor Shares * VEXPX 0024
Vanguard Extended Market Index Fund Investor Shares * VEXMX 0098
Vanguard Intermediate-Term Treasury Fund Investor Shares * VFITX 0035
Vanguard International Growth Fund Investor Shares * VWIGX 0081
Vanguard Long-Term Investment-Grade Fund In... 阅读全帖 |
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n****u
发帖数: 229 | 2 be careful of these target funds.
I think all of these target funds (different companies, same retirement year
) are toooo aggressive.
if u r 30 yr old and u pick these funds, all of them are 80% to 90% in stock.
Correct me if I am wrong, vanguard changed its target funds' portfolio.
Initially it was 10% bond, 90% domestic stock, later on it added Inl stock.
I am not saying that adding Inl stock is bad idea (though I believe it's not
good), changing portfolio is not a good sign. Who knows when v... 阅读全帖 |
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j****y
发帖数: 1714 | 3 Vanguard Wellesley Income Fund Investor Shares (VWINX),
Vanguard Target Retirement Income Fund (VTINX)
5%-12% compound annual return (NOT the misleading average return!), much
better than CD. |
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S**C
发帖数: 2964 | 4 VWINX lost 10% in 2008, VTINX should lose even more. Not a good place to
park "emergency" money. |
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z********3
发帖数: 179 | 5 我刚开了VWINX，放了2011年的5000到TRADITIANAL IRA账户。
请问我可以再放满我的2012年的TIRA 5000到VTINX里吗？
放到里面是不是就不用我自己打理了？我和LD分开报税，因此只能开TIRA。 |
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l******i
发帖数: 1404 | 6 要买balanced fund的话，为什么不买VWINX和VTINX，感觉比VTIVX好啊。 |
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o*******i
发帖数: 396 | 7 每个月存$500,一年$6000,403b帐户
VASIX Vanguard LifeStrategy Income Inv 30%
VWEHX Vanguard High-Yield Corporate Fund 30%
VTINX VANGUARD RETIREMENT FUND INCOME 40%
是不是过于保守了? |
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b**y
发帖数: 94 | 8 看来被secondcity鄙视了。
我是诚心来求教的，牛人们有什么好建议，还请不吝赐教。
下面是我Vangard上面的所有fund.
Group A Funds
Vanguard Target Retirement Income VTINX
Vanguard Target Retirement 2010 VTENX
Vanguard Target Retirement 2015 VTXVX
Vanguard Target Retirement 2020 VTWNX
Vanguard Target Retirement 2025 VTTVX
Vanguard Target Retirement 2030 VTHRX
Vanguard Target Retirement 2035 VTTHX
Vanguard Target Retirement 2040 VFORX
Vanguard Target Retirement 2... 阅读全帖 |
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c******g
发帖数: 2323 | 9 VWELX and VWINX 是同一个经理把，把所有投资教给一个经理不是很安全，二楼的建议
可以听，或者VFICX 换成 VTINX， 更激进一点 |
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n********e
发帖数: 1789 | 10 有这些选择，现在30+，还有30多年才退休。如何选择比较好啊？感觉没有几个好的
fund啊。Expense Ratio都很高。还有很多都是很新的fund。谢谢
EQUITY/STOCK Symbol ER(%) 1YR 10YR Life From
ALLIANCE BERNSTEIN GLBL ANAIX 0.59 -0.25 5.32 2007
BLACKROCK EQUITY IND NON BEMMT 0.04 21.87 17.67 2012
BLACKROCK MSCI ACWI EXUS BIMIT 12.86 2011
DODGE & COX INTERNATIONA DODFX 0.64 25.25 9.25 9.15 2001
HARTFORD SMALLCAP GROWTH HISCX 0.67 27.95 9.86 10.17 1994
SSGA RUSSELL SMALL/MID C YDSAT ... 阅读全帖 |
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t***n
发帖数: 546 | 11 VTINX 吧
★ 发自iPhone App: ChineseWeb 8.7 |
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M********r
发帖数: 278 | 12 really not easy to find an investment that meets all your requirement. but
you may consider 1. cd ladder, very safe, liquid to a certain point, but may
not yield that much as you need; 2. VTINX as suggested by the previous
post, but it current yields <2%. you may lose principal; 3. vanguard managed
payout fund (VPGDX) it's annual pay out rate is 4%, but again you may lose
principal. 4. since your money is likely not in a tax advantaged account,
you may consider Muni bond. The tax advantage itse... 阅读全帖 |
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f*********7
发帖数: 1040 | 14 请高手指点：vanguard Roth IRA 买哪个funds 比较合适？
PS：新手，对股票知识是白痴 （也 不准备买）。准备３０年后退休，可以承担low－
moderate risk。 可供选择的below： thanks
Mutual funds
General attributes
Name (Minimum)
Ticker
Asset
Class
Fund No.
Expense ratio
Admiral Treasury Money Market
VUSXX
Money Market
0011
0.09%
Federal Money Market
VMFXX
Money Market
0033
0.11%
Prime Money Market ($3,000 minimum)
VMMXX
Money Market
0030
0.16%
Short-Term Bond Index ($3,000 minimum)
VBISX
Bond - Short-term Investment
0132
0.20%
Short-Term Federal ($3... 阅读全帖 |
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c*********2
发帖数: 216 | 15 刚刚开始弄401k，但是不太懂。自己炒股过。现在不知道怎么把401K里面的钱拿来自己
炒股。
公司用的是Merrill Lynch。以下是提供的各种bond选择。
EQUITY/STOCK Symbol Current Desired
AMERICAN BALANCED FUND CL R6 RLBGX 0%
AMERICAN EURO PACIFIC RERGX 0%
BLACKROCK EQUITY INDEX FD CL M BEIMT 5%
BLACKROCK MSCI EAFE EQTY FD M BMSCT 20%
BLACKROCK RUSSELL 2000 FD M BRIFT 9%
JP MORGAN MID VALUE INST FLMVX 25%
JP MORGAN U.S. EQUITY FD CL R5 JUSRX 9%
NEUBERGER BERMAN MID CP CL R6 NRMGX 0%
O... 阅读全帖 |
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D*****l
发帖数: 357 | 16 麻烦大家指点下401K的选择。。。应该怎么组合呢？本人40岁。谢谢
FID CONTRAFUND K (FCNKX)
05/17/1967
Stock Investments Large Cap 10.40% 17.55% 17.24% 9.95%
HTFD DIV & GRTH R5 (HDGTX)
07/22/1996
Stock Investments Large Cap 4.26% 16.05% 15.61% 8.37%
SPTN 500 INDEX INST (FXSIX)
02/17/1988
Stock Investments Large Cap 7.40% 17.28% 17.31% 7.87%
JANUS ENTERPRISE N (JDMNX)
09/01/1992
Stock Investments Mid-Cap 13.29% 19.29% 18.77% 10.96%
JH DSCPL VAL MDCP R6 (JVMRX)
06/02/1997
Stock Investments... 阅读全帖 |
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h****g
发帖数: 259 | 17 90% VANG TARGET RET 2045 (VTIVX)
10% VANG TARGET RET INC (VTINX)
Or 100% VANG TARGET RET 2035 if your plan has it |
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w*r
发帖数: 11 | 18 刚工作的小白，请大牛们帮忙看下分配合不合理。
我的分配：
Vanguard Value Index Fund Admiral Shares VVIAX 0506 20.00%
Vanguard Growth Index Fund Admiral Shares VIGAX 0509 30.00%
Vanguard 500 Index Fund Admiral Shares VFIAX 0540 40.00%
Vanguard Total Bond Market Index Fund VBTLX 0584 10.00%
可选funds：
Short-Term Reserves
Vanguard Prime Money Mkt Fund VMMXX 0.16%
Vanguard Retire Savings Trust IV — 0.43%
Bond Funds
Vanguard Tot Intl Bond Ix Adm... 阅读全帖 |
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T***N
发帖数: 1835 | 19 Name Gross Expense Ratio
ABF LG CAP VAL INST (AADEX) 0.59%
AF FUNDMNTL INV R6 (RFNGX) 0.31%
AF GRTH FUND AMER R6 (RGAGX) 0.33%
FID CONTRAFUND (FCNTX) 0.71%
VANGUARD INST INDEX (VINIX) 0.04%
GS GROWTH OPPS INST (GGOIX) 1%
MFS MID CAP VALUE R3 (MVCHX) 1.19%
VANG EXT MKT IDX ADM (VEXAX) 0.09%
DFA US TARGET VALUE (DFFVX) 0.37%
HARTFORD SMALL CO Y (HSCYX) 0.86%
NB GENESIS - INST CL (NBGIX) 0.85%
AF EUROPAC GROWTH R6 (RERGX) 0.5%
MFS INTL NEW DISC R3 (MIDHX) 1.37%
V... 阅读全帖 |
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f*********7
发帖数: 1040 | 20 请高手指点：vanguard Roth IRA 买哪个funds 比较合适？
PS：新手，对股票知识是白痴 （也 不准备买）。准备３０年后退休，可以承担low－
moderate risk。 可供选择的below： thanks
Mutual funds
General attributes
Name (Minimum)
Ticker
Asset
Class
Fund No.
Expense ratio
Admiral Treasury Money Market
VUSXX
Money Market
0011
0.09%
Federal Money Market
VMFXX
Money Market
0033
0.11%
Prime Money Market ($3,000 minimum)
VMMXX
Money Market
0030
0.16%
Short-Term Bond Index ($3,000 minimum)
VBISX
Bond - Short-term Investment
0132
0.20%
Short-Term Federal ($3... 阅读全帖 |
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发帖数: 1 | 21 widemouth大牛，我是在vanguard开的户。你说的那两个指数，具体是下面的哪一个啊？
Mutual funds
General attributes
Name (Minimum)Sort TickerSort Asset
ClassSort Fund No. Expense ratio
Federal Money Market ($3,000 minimum) VMFXX Money Market 0033
0.11%
Prime Money Market ($3,000 minimum) VMMXX Money Market 0030
0.16%
Treasury Money Market ($50,000 minimum) VUSXX Money Market
0011 0.09%
California Municipal Money Market ($3,000 minimum) VCTXX Money
Market... 阅读全帖 |
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